I refixed 3 loans with them in May, 66% equity, they gave me the special rates, but wouldn't give any further discount. Weren't going to give me the special rates, said not for investors, until I told them that kiwibank would.

Is anyone else not getting Special Rates via Westpac for investment properties? I've got 47% equity with them but they are only offering 3.95% for 1 and 2yrs, whereas their Special Rates are 3.85%.

Yes, I also just spoke with them on the phone. I told them that ANZ and ASB are actually giving me better rates than the special ones (for loans I need to refix now too). They still said that they can't do special rates for investment property. I said that I'm going to look to move my loans out of Westpac- still no movement from them!

If they drop the OCR another notch in August and November, what do you think this will do to the 3 and 5 year rates.
I cant see the 3 year rates dropping much below 3.65. I think one bank did a 1 year special at 3.65 and for a while I saw a carded 3 year rate at 3.95.
With deposit rates not likely to drop much from 3.2 to say 3%, I can see the 1 to 3 year rates going to 3.65, maybe best case 3.5%.

But could the 5 year rate go lower.
I would like to see a 5 year rate under 4% come in Feb / April 2020 when my 5 year fix ends